Who oversees respa - Study guides, Class notes & Summaries
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Real Estate Exam AZ with Answers [100% PASS] /verified/
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Real Estate Exam AZ with Answers 
[100% PASS] /verified/ 
Recission *Ans* Legal remedy of canceling, terminating or annulling a contract and 
restoring the parties to their original positions. 
Encumbrance *Ans* A claim against title or a limitation on use. 
Puffing *Ans* Exaggerated statement or opinion by the broker. 
ADWR *Ans* Arizona Department of Water Resources. Agency that oversees Active 
Management Areas and issues the Certificated of Assured Water Supply. 
Capitalization *Ans* Appr...
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NMLS Laws and Regulations Question and answer already solved 2023
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NMLS Laws and Regulations Question and answer already solved 2023CFPB 
Consumer Financial Protection Bureau 
 
 
 
What does the CFPB do? 
Regulates RESPA, TILA, ECOA, and HMDA 
 
 
 
FTC 
Federal Trade Commission 
 
 
 
What does the FTC do? 
Monitors Red Flag Rules 
 
 
 
RESPA 
Real Estate Settlement Procedures Act 
 
 
 
What does RESPA do? 
•Protects homeowners of Single, 1-4 family dwellings, condos, & homes manufactured on lot. 
•Educates borrowers costs of loan 
• Eliminates kickba...
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HUD Housing Counselor Module 4.1 & 4.2 | 100% Correct Answers
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HUD Housing Counselor Module 4.1 & 4.2 | 
100% Correct Answers 
A potential homebuyer with a minimal savings for a down payment and a low credit score is 
most likely to qualify for which mortgage? 
- United States Department of Agriculture (USDA) 
- Federal Housing Administration (FHA) 
- Fannie Mae 
- Freddie Mac - Answer️️ -Federal Housing Administration (FHA) 
Which is the most significant benefit of using a real estate agent? 
- Marketing the home online 
- Obtaining a home inspection 
...
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HUD Exam- Homeownership Verified Answers
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HUD Exam- Homeownership Verified Answers 
Which factor is best for housing counselors to use when determining how much a client can afford to 
spend on purchasing a home? 
A. Debt to-income ratios 
B. Annual gross income 
C. Savings 
D. Options A, B, C 
E. None of the above D. Options A, B, and C 
A person or company that makes loans for real estate purchases. "Loan officer" is a related term that 
refers to a representative of a lending or mortgage company who is responsible for sol...
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Prepxl practice test 2: Questions and answers, rated A+| LATEST UPDATE | EXAM PREDICTION QUESTIONS |
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Prepxl practice test 2: Questions and 
answers, rated A+ 
Under RESPA, the servicer may require a borrower to pay into an escrow account to cover 
disbursements that are unanticipated or disbursements made before the borrower's monthly payments 
are available in the account, a cushion or reserve that must be no greater than _____ of the estimated 
total annual disbursements from the escrow account. 
- One half 
- One third 
- One sixth 
- One twelfth - -One sixth. 
Under RESPA, a lender ma...
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NMLS Laws and Regulations Exam Questions with Complete Solutions
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NMLS Laws and Regulations Exam Questions with Complete Solutions 
 
RESPA - Answer-Real Estate Settlement Procedures Act 
 
What does RESPA do? - Answer-•Protects homeowners of Single, 1-4 family dwellings, condos, & homes manufactured on lot. 
•Educates borrowers costs of loan 
• Eliminates kickbacks and referral fees (section 8) 
• Establishes rules for escrow 
 
What Regulation is RESPA? - Answer-Reg X (X-ray of my RESPAtory system) 
 
Who oversees RESPA? - Answer-(CFPB) Consumer Fin...
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NMLS Laws and Regulations| 336 QUESTIONS| WITH COMPLETE SOLUTIONS
- Exam (elaborations) • 35 pages • 2022
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CFPB Correct Answer: Consumer Financial Protection Bureau 
 
What does the CFPB do? Correct Answer: Regulates RESPA, TILA, ECOA, and HMDA 
 
FTC Correct Answer: Federal Trade Commission 
 
What does the FTC do? Correct Answer: Monitors Red Flag Rules 
 
RESPA Correct Answer: Real Estate Settlement Procedures Act 
 
What does RESPA do? Correct Answer: •Protects homeowners of Single, 1-4 family dwellings, condos, & homes manufactured on lot. 
•Educates borrowers costs of loan 
• Elimi...
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Maryland Licensing Questions and Answers Already Passed
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Maryland Licensing Questions and Answers Already Passed 
Under the Secondary Mortgage Loan Law, a consumer has the right to limit origination fees on which of the following? Secondary mortgages 
A borrower's gross monthly income and assets may be verified based on a review of third-party written documentation, including each of the following, except: Employer reference letter 
The Maryland's Finder's Fee Law has been included in the Maryland Code since what year? 1979 
Which of the following ...
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NMLS Laws and Regulations Latest Updated 2022 Rated A
- Exam (elaborations) • 51 pages • 2023
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NMLS Laws and Regulations Latest Updated 2022 Rated A 
Document Content and Description Below 
NMLS Laws and Regulations Latest Updated 2022 Rated A CFPB Consumer Financial Protection Bureau What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA FTC Federal Trade Com mission What does the FTC do? Monitors Red Flag Rules RESPA Real Estate Settlement Procedures Act What does RESPA do? •Protects homeowners of Single, 1-4 family dwellings, condos, & homes manufactured on lot. •Educates bor...
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NMLS Laws and Regulations Latest Updated 2022 Rated A
- Exam (elaborations) • 51 pages • 2022
-
- $18.49
- + learn more
CFPB Consumer Financial Protection Bureau 
What does the CFPB do? Regulates RESPA, TILA, ECOA, and HMDA 
FTC Federal Trade Commission 
What does the FTC do? Monitors Red Flag Rules 
RESPA Real Estate Settlement Procedures Act 
What does RESPA do? •Protects homeowners of Single, 1-4 family dwellings, condos, & 
homes manufactured on lot. 
•Educates borrowers costs of loan 
• Eliminates kickbacks and referral fees (section 8) 
• Establishes rules for escrow 
What Regulation is RESPA? Reg...
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